Cost Of Living in Cottonwood, TX

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C+

18%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

65%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Cottonwood	Texas	National
Cost of living	118	94	100
Groceries	96	98	100
Health care	96	98	100
Housing	165	83	100
Transportation	99	98	100
Utilities	104	103	100
Lifestyle & Entertainment	102	98	100
Household Items	99	98	100
Education & Childcare	93	98	100

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Cost Of Living Quick Facts

The cost of living in Cottonwood is 26% higher than the Texas average
The cost of living in Cottonwood is 18% higher than the national average
Cottonwood housing is 65% higher than the national average
Texas general sales tax is 22% higher than the national average
Texas state income tax is 100% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$203,715	$16,976	$4,753	$6,112
Renters	$0	$0	$0	$0

Texas Sales Tax

State	General Sales Tax	With Max Surtax
Texas	6.25%	8.25%

Texas Income Tax

State	Income Tax (Low)	Income Tax (High)
Texas	0%	0%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Rosser, TX	521	82	17.5%
Oak Ridge town (Cooke County), TX	124	84	16.0%
Seven Points, TX	1,325	85	15.4%
Kemp, TX	1,149	85	14.5%
Garrett, TX	954	86	13.7%
Cottonwood, TX	327	118	18.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Cash, AR	327	80	19.7%
Woodville, GA	327	83	16.6%
Frederika, IA	327	85	15.1%
Kiron, IA	327	80	20.1%
Ute, IA	327	80	20.4%
Cottonwood, TX	327	118	18.3%